Category Archives: Indiana Insurance

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As required by state laws, Indiana auto insurance must contain liability coverage. Auto insurance requirements in this state start at 20/50/10.

This means that each Indiana auto insurance policy must contain at least a minimum amount of coverage of $20,000 for bodily injury liability per person, and $50,000 minimum for total bodily injury liability per accident. The last refers to $10,000 minimum coverage limit for property damage liability.

The said liability insurance coverage will pay for the injuries or property damages the policyholder may cause to other people and their properties. If the costs of injuries and damages exceed those limits, the policyholder is responsible to pay for the difference. Due to such limitation, a policyholder who will opt to purchase liability coverage with higher limits will have better protection.

In addition, said liability coverage is only limited to paying for the damages that a policyholder have inflicted to other people. For this matter, a policyholder may also opt to purchase Medical Payments to provide cover to injuries that he or his passengers might obtain in an accident. He may also opt to include Indiana Collision and Comprehensive coverage to protect one’s vehicle.

As for protection against uninsured or underinsured motorist, a policyholder may decide whether to have the minimum coverage limit of $50,000 or none at all.

As for affordable Indiana auto insurance quote, you may talk with one of InsureDirect.com agents through our toll free number, (800) 807-0762.

Sunday’s Post 10/30/11 – Residents of Alabama who have homeowners insurance with Alfa Insurance Company can now enjoy a multi-policy discount with their new auto insurance coverage just introduced by the insurance carrier. Just recently, Alfa Insurance Co. publicized that it will no longer countersign and underwrite a mono-line homeowner policies in Alabama. According to the company, this will only provide coverage to homeowners who place their auto insurance with the company. From this, agents will have the choice of using other carriers for their independent homeowners business. Alfa Insurance Corporation has established its name as a property & casualty insurer which provides insurance and other financial services in the United States. It operates in states of Alabama, Georgia, Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, Kentucky, Florida and North Carolina. The addition of the auto insurance product will give their 500 independent agents will be in a better position to cater the needs of each client.

The companies new personal approach will work best when they can attend to all a person’s insurance needs. Many Alfa agents are concerned with the idea of tying up home and car insurance has become a trend not only with Alfa, but also with other auto and homeowners insurance insurers. The feeling is if other companies will follow with the same idea so patrons will not find themselves choosing between two insurers, or be stranded with the decision they have to make one.

When you are involved in an auto accident or your home is damaged as a result of a storm or household accident, it’s important to immediately contact your auto insurance or homeowners insurance company to file a claim. Once you have been assigned a claims number, an insurance adjuster is assigned and he or she will inspect your… Continue Reading